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	<h2>FHA Mortgages: Great Benefits</h2>

	
	The Federal Housing Administration (FHA) has a mortgage program that is very popular, and about half of first time home buyers use it. Here’s why: 
	
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	<ul>
		<li>The FHA insures your mortgage, allowing the lender to offer you a down payment as low as 3.5%  – and the down payment money can come from a family member,
		 employer or charitable organization as a gift. Other loan programs don’t allow this.</li><br />
		
		<li>It’s easier to qualify for an FHA mortgage. You don’t have to have a perfect credit score. In fact, even if you’ve had credit problems,
		 it’s easier for you to qualify for an FHA loan than a conventional loan.</li><br />
		
		<li>FHA mortgages have competitive interest rates. (Although the FHA does not provide direct financing or set the interest rates on the mortgages it insures.) 
		For the best interest rate and terms on a mortgage, you should compare mortgages from several different lenders. A lower rate can save you a 
		lot of money over time.</li><br />
		
		<li> An FHA mortgage may be used to purchase or refinance a new or existing 1-4 family home, a condominium unit or a manufactured housing unit 
		(provided the manufactured housing unit is on a permanent foundation).</li><br />
		
		<li>Should you encounter hard times after buying your home, FHA has options to help you keep you in your home and avoid foreclosure.</li><br />
	
	
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	Find additional information on FHA mortgages by going  <a href="http://portal.hud.gov/hudportal/HUD?src=/topics/buying_a_home">here</a> <br /> <br />
	
	You can also find an FHA approved lender in your area by going <a href="http://www.hud.gov/ll/code/llslcrit.html">here</a>
	
	
	
	
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